UK National Insurance Calculator
Estimate your National Insurance contributions for the 2025/26 tax year based on your earnings and employment type.
Options
For illustrative purposes only — not financial advice.
Ready
| Details | Amount (£) |
|---|---|
| Annual Income | 0.00 |
| Employment Type | - |
| Tax Year | 2025/26 |
| Region | UK |
| Total NI | £0.00 |
National Insurance Rates for 2025–26
To calculate full take-home pay including income tax, try our Income Tax Calculator or PAYE Tax Calculator.
Employee NI (Class 1)
| £0 – £12,570 | 0% |
|---|---|
| £12,571 – £50,270 | 10% |
| Over £50,270 | 2% |
Self-Employed NI (Class 2 & 4)
Approx 2025 HMRC values — update when confirmed
| NI Class | Rate / Income Range |
|---|---|
| Class 2 | Weekly flat rate (if earnings above threshold) |
| Class 4 |
10% on profits £12,571 – £50,270 2% above £50,270 |
For official NI rules, visit gov.uk.
How National Insurance Works
National Insurance (NI) is a tax paid by workers and the self-employed to qualify for state benefits such as the State Pension. The amount you pay depends on your employment status and income level. If you are self-employed, you may also want to check our Self-Employment Tax Calculator.
- Class 1: Paid by employees via PAYE.
- Class 2: Flat weekly rate for self-employed people.
- Class 4: Percentage of profits for self-employed people.
- Directors: Pay Class 1 on an annual earnings basis.
For income tax, NI and student loan breakdowns combined, try our 2024 Tax Calculator.
National Insurance Examples
These examples show typical NI scenarios. To calculate your full deductions, use our Income Tax Calculator.
- Class 1 NI: ~£748 per year
- Total NI: £748
- Class 1 NI: ~£3,743 per year
- Total NI: £3,743
- Class 2 NI: ~£179
- Class 4 NI: ~£2,743
- Total NI: £2,922
Frequently Asked Questions
This UK National Insurance Calculator estimates Class 1, Class 2 and Class 4 contributions using the latest HMRC thresholds for 2025–26. You can also explore related tools including the Income Tax Calculator, Self-Employment Tax Calculator and Small Business Tax Calculator.